agriculture review

How To Apply For Kisan Credit Card Loan

by aditya abhishek

Kisan Credit Card

Kisan Credit Card (KCC) Scheme was launched in 1998 for farmers to get loan credit to buy seeds, fertilizers, pesticides etc. on the basis of their holdings. 


National Bank For Agriculture & Rural Development prepared the model of the KCC scheme. Farmers can get a collateral-free loan up to 1 lakh rupees. 

From Where To Get

You can get Kisan Credit Card Loan from all Indian banks, regional rural banks and the co-operative banks by filing & submitting their application form. 


Any farmer who is the owner and cultivator of the farmland is eligible for availing Kisan Credit Card loan to fulfill farmer credit requirements. 

Documents Required

Application Form. Two Passport Size Photographs. ID proof. Address Proof. Proof of landholding duly certified by the revenue authorities.  Cropping pattern Security documents for loan limit above Rs.1.60 lakhs or Rs.3.00 lakhs, as applicable.

Interest & Repayment 

The repayment period of the KCC loan mainly depends on the crop and marketing period. For up to 3 lakh rupees, loan interest rates vary from 2 to 7% per annum.

Insurance In KCC

You can get crop insurance under Pradhan Mantri Fasal Bima Yojana (PMFBY). Farmers can also get health & personal accident insurance. 

Note For Farmer

If you are a farmer who wants to take a loan to fulfill credit requirements for farm activities, then visit your nearest bank and fill out the KCC application form. 

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